"First of all, your money can grow if it's in a checking or savings account. Deposits in a standard checking or savings account are obviously insured and they're secure. And debit cards typically generate more fees than a checking or savings accounts, so you're losing ground."

So what should you do if you get federal benefits by check and haven't told the government what to do starting next month?

Talk to the agency that issues the benefits, visit your bank or credit union, or make the change by phone (800-333-1795) or online at godirect.gov.

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